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Register a new userBank Marketing Mix Impact On Syrian Private Traditional Commercial Banks' Profitability
أثر عناصر المزيج التسويقي المصرفي على ربحية المصارف التجارية التقليدية الخاصة العاملة في سورية
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Added by
Tishreen University ورقة بحثية
Publication date
2020
fields
Economy
and research's language is
العربية
Created by
Shamra Editor
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هدفت الدراسة إلى إيضاح أثر عناصر المزيج التسويقي المصرفي، على ربحية المصارف التجارية التقليدية الخاصة العاملة في سورية خلال الفترة 2010) _ 2017). حيث تمت دراسة أثر كل من المتغيرات المستقلة الآتية: عدد الخدمات المصرفية، سعر الخدمات التقليدية، سعر الخدمات الحديثة، التوزيع، الترويج، الأفراد، العمليات والدليل المادي، على معدل العائد على حقوق الملكية كمتغير تابع. اعتمدت الدراسة بيانات السلاسل الزمنية المقطعية (Panel Data)، التي تم جمعها من التقارير المالية للمصارف المدروسة، ثم تم تقدير نماذج هذه البيانات والمفاضلة بينها بالاعتماد على اختبار F المقيدة، حيث تبين أن نموذج التأثيرات الثابتة هو النموذج الأنسب للدراسة. خلصت الدراسة إلى عدم وجود أي أثر ذو دلالة إحصائية لأي من عناصر المزيج التسويقي، على معدل العائد على حقوق ملكية المصارف المدروسة، أي أن المزيج التسويقي المصرفي لم يكن له أثر هام على ربحية هذه المصارف خلال فترة الدراسة.
This paper aimed to discuss whether bank marketing mix affect the profitability of traditional private commercial banks operating in Syria during the period 2010 - 2017. Where the effect of the following independent variables has been studied: the number of banking services, the price of traditional services, the price of modern services, distribution, promotion, pepole, process and physical evidence, on the rate of return on equity as a dependent variable. The study adopted the Panel Data, which were collected from the financial reports of the studied banks, then the models of these data were estimated and the comparison between them was done on the basis of the restricted F test, where it was found that the fixed effects model is the most appropriate model for the study. The study concluded that there was no statistically significant effect of any of the elements of the marketing mix on the rate of return on equity of the studied banks, in other words, the banking marketing mix had no significant impact on the profitability of these banks during the period studied.
References used
1-Harb, B.; Mayya, A.; Naser, S.A. A Study Of The Effect Of Marketing Bank Services On The Behaviors Of The Customers :A Case Study Of Public Banks In Latakia. TishreenUniversity Journal For Research And Scientific Studies -Economic And Legal Sciences Series. Vol. 30, No. 4, 2008, 113-133
2Strange, jihad. The role of marketing banking products in improving the performance of commercial banks. An exploratory study of a sample of Gulf Bank Algeria AGB employees, Ain Mellila Agency (110), Batna (103), Constantine (109). Published PhD thesis, Department of Economic Sciences, College of Economic Sciences, Commercial Sciences and Management Sciences, Arab University bin Mahdi Umm Al-Bawaki, Algeria, 2017,134.
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Liquidity is considered to be one of the most important subject in the banking sector
because it’s the key to maintain a secure financial position and it’s the main mean to gain
the customer and depositor trust, and meet any obligation that might c
ome up.
In this paper we study effect of the liquidity and risk on the Syrian private bank’s
profitability and the nature of this effect, to achieve this object we choose ten financial
ratios for a sample of ten commercial banks between 2008 – 2014. The data have been
basically collected from the financial statements of the studied banks. To analyze the
research data we use one of the Panel Data Models which is the Fixed Effects Model. The
data have been analyzed by using EViews 7.
We conclude that the liquidity ratio have a significant negative effect on the bank’s
profitability. liquidity risk have a significant positive effect on the profitability ratio .
This study aimed to identify the role of the marketing mix electronic elements in the
creation of competitive advantages of public commercial banks to make them distinct and
unique from other banks site، especially after its entry into the era of t
echnological
revolution and Informatics.
To achieve this، the researcher studied the relationship between the electronic
elements of the marketing mix، and achieve competitive advantage، through a survey on
public commercial banks in Latakia، and the research sample was/ 120 / unit.
The researcher found that a relationship exists between each of the elements of the
marketing mix elements (electronic product، electronic pricing، electronic promotion،
electronic distribution، people، physical elements، the process of providing the service)،
and promoting the competitiveness of banks under study. As the researcher of this study a
set of proposals and recommendations that are expected to help banks in the study to
achieve competitive advantage.
The formation of optimal capital structure is considered as one of the
most difficult challenges that face management at banks, by exploring
the capital structure at Syrian private banks, the researcher noticed that
Syrian private banks depend on
short term debt financing, however, the
researcher sees that this kind of debt will have a weak impact on the
profitability of Syrian private banks for not having long term debt
financing. Thus this study discussed the impact of capital structure on
profitability at Syrian Private Banks, it answered questions where if there
were a significant impact of retention ratio, debt ratio, and leverage ratio
on profitability measured by return on assets, return on equity, and net
investment margin.
Bank credit is exposed to a range of risks resulting in credit default and the
customer's inability to meet its obligations to the bank since the process of
granting credit it is in accordance with the process of acceptance deposits
provided that the credit provide granted with the terms of the deposit granted.
The interest issue was for long time ago and still one of the critical issues debated among economists through it monetary policy tools can be implemented in order to reach the economic goals set by the economic policy of any country, With the appear
ance of the banks, which have been considered as the backbone of the economy and the basic cell of the national economy growth and its engine as they keep, move, develop, and facilitate the exchange of
money the interest rate has become as a nervous system for commercial banks because of its significant impact on the revenues and expenses of these banks through the interest rates debtors and creditors imposed on their activities,Therefore, the main aim of this research is to study the impact of the net interest margin on the profitability of commercial bank by conducting an
empirical study in The Bank of Syria and Overseas (BSO), the commercial bank has been chosen because the interests debtors and creditors constitute the largest proportion of revenues and expenses of commercial banks by displaying the size of revenues and expenses of the bank and their vulnerability to interest rates imposed by the central bank this study found that the profitability of commercial banks consists mainly of the net interest margin
which reflects the difference between the creditor interests levied for the facilities granted and the debtors interests paid on deposits.
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